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Finance Contract Template for Singapore

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Key Requirements PROMPT example:

Finance Contract

"Need a Finance Contract under Singapore law for a secured term loan facility of SGD 5 million to a manufacturing company, with quarterly repayments over 5 years starting from March 2025 and including personal guarantees from company directors."

What is a Finance Contract?

Finance Contracts are essential documents in Singapore's financial landscape, used to formalize lending arrangements between financial institutions and borrowers. These contracts must comply with Singapore's stringent financial regulations and typically include detailed provisions on facility amounts, interest calculations, security arrangements, and default scenarios. The Finance Contract serves as the primary document governing the relationship between lenders and borrowers, incorporating both mandatory regulatory requirements and commercial terms agreed between the parties.

What sections should be included in a Finance Contract?

1. Parties: Identification and details of the contracting parties

2. Background: Context and purpose of the finance agreement

3. Definitions: Key terms used throughout the agreement

4. Facility Amount: Details of the financial facility being provided

5. Interest and Fees: Interest rates, calculation methods, and applicable fees

6. Repayment Terms: Schedule and method of repayment

7. Conditions Precedent: Conditions that must be satisfied before drawdown

8. Representations and Warranties: Statements of fact by the borrower

9. Events of Default: Circumstances constituting default and consequences

What sections are optional to include in a Finance Contract?

1. Security: Details of any collateral or security arrangements (include when facility is secured)

2. Guarantees: Terms of any guarantees provided (include when third-party guarantees are required)

3. Insurance: Required insurance coverage (include when specific insurance is required for the facility)

4. Covenants: Ongoing obligations of the borrower (include for complex commercial facilities)

What schedules should be included in a Finance Contract?

1. Repayment Schedule: Detailed schedule of repayment dates and amounts

2. Security Documents: List and copies of security documentation

3. Conditions Precedent Documents: List of required documents and conditions

4. Fee Schedule: Detailed breakdown of all applicable fees

5. Form of Drawdown Notice: Template for requesting disbursement

Authors

Alex Denne

Head of Growth (Open Source Law) @ Ƶ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Relevant legal definitions



































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Industries

Banking Act (Cap. 19): Primary legislation governing banking institutions and financial services in Singapore, setting out licensing requirements and operational regulations

Securities and Futures Act (Cap. 289): Regulates securities, derivatives, and other financial products, including trading activities and market conduct

Financial Advisers Act (Cap. 110): Governs the provision of financial advisory services and regulates financial advisers in Singapore

Moneylenders Act (Cap. 188): Regulates moneylending activities and provides protection for borrowers in Singapore

Contracts Act (Cap. 53): Fundamental law governing contract formation, validity, and enforcement in Singapore

Civil Law Act (Cap. 43): Contains general principles of civil law including contract law provisions and remedies

Consumer Protection (Fair Trading) Act: Protects consumers against unfair practices and provides additional rights in consumer transactions

Consumer Protection (Trade Descriptions and Safety Requirements) Act: Ensures accurate product descriptions and maintains safety standards in consumer goods

Property Act (Cap. 242): Governs property rights and transactions, relevant for secured financing arrangements

Conveyancing and Law of Property Act (Cap. 61): Regulates property transactions and security interests in real estate

Personal Property Securities Act: Governs security interests in personal property used as collateral in financial transactions

Monetary Authority of Singapore Act (Cap. 186): Establishes MAS's regulatory authority and oversight of financial institutions

MAS Guidelines and Directives: Regulatory guidelines issued by the Monetary Authority of Singapore for financial institutions

Anti-Money Laundering Regulations: Requirements for preventing money laundering and terrorism financing in financial transactions

Electronic Transactions Act: Provides legal framework for electronic contracts and digital signatures

Personal Data Protection Act 2012: Governs the collection, use, and disclosure of personal data in Singapore

Unfair Contract Terms Act (Cap. 396): Regulates unfair terms in contracts and protects parties against unreasonable contract provisions

Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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